近日，在第二十届21世纪金融年会现场揭晓了"年度优秀消费者权益保护机构"榜单，经过多轮专家评审 及多维度严谨综合评估，小赢科技凭借在金融消费者权益保护领域的系统性实践与创新成果，成功入 选。 消费者合法权益保护是金融科技企业践行金融工作政治性、人民性的核心体现，是履行社会责任、赢得 市场信任的根本基石，更是实现高质量、可持续发展的内在要求和长远保障。小赢科技深入构建"大消 保"工作体系，通过将"金融为民"理念融入经营，不断提升消保工作质效。此次获奖不仅是权威媒体对 小赢科技消保工作的高度认可，更印证了其"科技向善、金融为民"初心的扎实落地，为科技金融行业消 保建设树立了标杆。 教育赋能：打造全用户覆盖金融素养提升工程 消保工作的长远发展，既需技术防护的"硬支撑"，更要用户教育的"软赋能"。 小赢科技创新性地将消保教育与用户服务深度融合，2025年在官方账号平台升级推出"以信为帆 赢造未 来"守信专栏，结合趣味问答、案例解析等形式普及信用知识，累计覆盖受众超百万人次。 同时，小赢科技将公益实践与消费者权益保护深度融合，持续开展用户教育活动。开设的"反诈骗专 栏"覆盖受众约百万人次，有效发挥了普及金融安全知识、提 ...

Core Viewpoint - The rise of "no-password payment" systems has led to convenience but also significant issues with unauthorized charges, prompting the China Payment and Clearing Association to propose safety management measures for these services [3][4]. Group 1: Issues with No-Password Payments - Users have reported difficulties in canceling no-password payment authorizations, leading to unexpected charges [1][4]. - There is a growing concern over the transparency of authorization processes and the challenges users face when trying to opt-out of these services [4][5]. - Incidents of unauthorized transactions, such as a user being charged over 80,000 yuan in a single night, highlight the risks associated with no-password payments [10]. Group 2: Recommendations from the China Payment and Clearing Association - The association has outlined five key requirements for payment service providers, emphasizing the need for clear user consent and easy cancellation options [4][5]. - It calls for enhanced risk management practices for merchants and improved monitoring of transactions to prevent unauthorized charges [4][5]. - Special attention is given to protecting elderly users, ensuring they receive clear information and easy access to cancel no-password payment options [5]. Group 3: User Awareness and Security Measures - Users are advised to strengthen their account security through measures like two-factor authentication and regular password changes [6]. - There is a recommendation for users to be vigilant about potential marketing traps and to avoid saving payment information on public devices [7]. - Regular checks of no-password payment agreements and prompt action on any suspicious transactions are encouraged to enhance user security [8]. Group 4: Industry Response and Future Outlook - Analysts expect payment service providers to respond positively to the association's recommendations, leading to improvements in product design and customer service [8]. - The emphasis on user education and collaborative governance between platforms and consumers is seen as essential for balancing convenience and security in the payment landscape [11].

Group 1 - The core mission of the company is to serve the public and improve financial services for the community, focusing on practical measures to address urgent issues faced by the populace [1] - The company has implemented various initiatives to enhance financial services for the elderly, including creating "green channels" and "care windows" for priority processing, and upgrading self-service devices for easier access [2][3] - The company has launched educational campaigns to protect the financial rights of the elderly, including anti-fraud initiatives and the establishment of over 200,000 pension accounts [3] Group 2 - The company emphasizes support for small and micro enterprises, offering simplified account opening processes and waiving certain fees to alleviate financial burdens [4][6] - A "4+1" product system has been developed to cater to the financial needs of small businesses, including tailored loan products for specific industries [6] - The company has successfully reduced the time required for account opening and processing for small enterprises, significantly enhancing their operational efficiency [4] Group 3 - The company is actively enhancing services for foreign nationals in China, establishing bilingual service points and launching a multilingual version of its banking app [7] - Over 500,000 bank accounts have been opened for foreign nationals since 2024, demonstrating the company's commitment to improving the financial ecosystem for international clients [7] Group 4 - Consumer rights protection is a priority for the company, which has implemented measures to prevent misleading sales practices and enhance consumer awareness of financial risks [9][10] - The company has conducted over 17,000 financial literacy events this year, promoting knowledge on consumer rights and fraud prevention [10] Group 5 - The company is engaged in various social welfare initiatives, including rural revitalization and educational support, contributing to community development and disaster relief [12][13] - The company has established a charity platform that has facilitated over 143,000 donations, supporting numerous public welfare projects [13]

Core Insights - The China Internet Finance Association (CIFA) is actively promoting financial consumer protection through its "Xiaobao Weichuan" brand, enhancing public awareness and engagement in financial literacy [1][2][3] Group 1: Initiatives and Strategies - CIFA has established four educational matrices: "Wanli Xing," "Yun Dangan," "Zhihui Xing," and "Dongcha Xing" to improve financial knowledge dissemination [1] - The association utilizes various media platforms, including its official website and social media, to create a comprehensive promotional network [1] - CIFA has launched the "Xiaobao Weichuan" brand logo, symbolizing protection and empowerment, and has achieved significant engagement with over 150,000 followers on its WeChat account by October 2025 [1] Group 2: Collaborative Efforts - CIFA organized offline activities in major cities to conduct face-to-face education targeting key demographics through the "Five In" initiative [2] - The association has produced videos on topics such as black and gray market prevention and financial technology safety, achieving over 100,000 views [2] - CIFA has established a "Xiaobao Weichuan Alliance" to promote a systematic approach to consumer protection, enhancing the responsibility of industry participants [2] Group 3: Future Directions - CIFA plans to further develop the "Xiaobao Weichuan" brand under the guidance of the People's Bank of China, aiming to elevate consumer rights protection efforts [3] - The association intends to integrate online and offline strategies to create a comprehensive educational framework for financial consumers [3]

Core Insights - The China Internet Finance Association (CIFA) is actively promoting financial consumer protection through its "Xiaobao Huichuan" brand, enhancing public awareness and engagement in financial literacy [1][2][3] Group 1: Initiatives and Strategies - CIFA has established four educational matrices: "Wanli Xing," "Yun Dangan," "Zhihui Xing," and "Dongcha Xing" to improve the quality and effectiveness of financial knowledge dissemination [1] - The association utilizes various new media platforms, including its official website and WeChat accounts, to create a comprehensive communication network [1] - CIFA has launched the "Xiaobao Huichuan" brand logo, symbolizing protection and empowerment, and has achieved significant engagement with over 1.5 million followers on its WeChat account and more than 250,000 total reads of consumer protection cases [1] Group 2: Collaborative Efforts - CIFA organizes offline activities in major cities to educate key demographics through the "Wanli Xing" initiative, focusing on community engagement [2] - The association has produced videos on topics such as black and gray market prevention and financial technology safety, achieving over 100,000 views [2] - CIFA has established a "Xiaobao Huichuan Alliance" to promote a systematic approach to consumer protection, enhancing the responsibility of industry participants [2] Group 3: Future Directions - CIFA plans to further develop the "Xiaobao Huichuan" brand under the guidance of the People's Bank of China, aiming to elevate consumer rights protection efforts [3] - The association intends to integrate online and offline educational efforts to strengthen financial consumer protection initiatives [3]

在金融知识宣教方面，光大银行北京分行以"阳光消保"为品牌，构建覆盖"新市民、青少年、老年人、 乡村居民"四大重点群体的"新小老乡"金融教育体系。通过定制化宣传内容，普及金融知识、提示金融 风险。每年3月15日，分行党委班子成员走进网点，开展"3·15行长当大堂经理"活动，用通俗语言帮助 老年客户理解理财产品，提醒防范金融风险。 2025年1月，光大银行北京分行辖内首家"养老金融服务中心"在阜成路支行正式授牌，标志着分行养老 金融服务进入"专业化、精细化"新阶段。阜成路支行、新源支行及花园路支行凭借卓越的综合服务能力 成功入选首批64家"养老金融服务中心"网点，成为分行养老金融服务的"示范窗口"。 为进一步提升老年客户服务体验，光大银行北京分行在全辖网点推行老年客户"7项专属服务"，包括专 属窗口、专属服务人员、专属座椅等，并在夯实"7项专属服务"的基础上，打造"N项特色服务"，如增 设"敬老驿站"、组建敬老服务团队、开展"老年课堂"普及活动等，致力于打造养老金融服务样板间。 针对老年客户使用智能设备的困难，光大银行北京分行优化线下服务的同时，着力打造线上适老服务渠 道。手机银行"简爱版"功能字体放大、去除冗余 ...

Core Viewpoint - The China Payment and Clearing Association has issued an initiative to enhance the security management of "no-password payment" services, aiming to protect user rights and standardize the use of such payment methods [1][3]. Group 1: Initiative Details - The association emphasizes the need for payment service providers to strengthen security management in "no-password payment" services through five specific measures, including proper authorization management and risk management for merchants [3][5]. - Users are encouraged to enhance their security awareness by implementing dual verification and regularly changing passwords, as well as being vigilant against marketing traps [3][4]. Group 2: User Experience and Concerns - "No-password payment" has gained popularity due to its convenience in various scenarios, but issues such as involuntary activation and potential information leaks have emerged [4][5]. - A survey of middle-aged and elderly users revealed that many experienced involuntary activation of "no-password payment" features, highlighting the difficulty in deactivating such services [4][5]. Group 3: Focus on Elderly Users - The initiative specifically calls for payment service providers to assess the risk tolerance and capacity of elderly users, ensuring that core terms are clearly presented and providing easy access to transaction information and cancellation options [5]. - The current market for "no-password payment" shows signs of disorder, particularly with tools that may inadvertently affect users' credit ratings [5].

Core Viewpoint - The Agricultural Bank of China (ABC) Ningjin County Branch, in collaboration with the Ningjin County Human Resources and Social Security Bureau, organized a financial knowledge promotion event to protect the legal rights of financial consumers [1] Group 1: Event Overview - The event took place on October 23 and was held in the Debai Business Circle, focusing on the daily needs of citizens [1] - Staff provided clear explanations of the "Deposit Insurance Regulations" and demonstrated counterfeit currency recognition techniques [1] Group 2: Targeted Services - Special attention was given to the elderly, introducing services such as the "Caring Window" and large-font mobile banking to enhance their experience with technological advancements [1] - For the youth, case studies were used to raise awareness about scams, emphasizing the importance of "not trusting easily, not transferring money, and not disclosing personal information" [1] Group 3: Pension Policy Guidance - The event included a detailed explanation of the personal pension policy, highlighting its benefits and the application process, encouraging citizens to plan for retirement in advance [1] - The practical nature of the promotional content received widespread acclaim, showcasing the ABC Ningjin County Branch's commitment to providing warm financial services for the betterment of the community [1]

Core Viewpoint - The financial consumer protection work is essential for maintaining the health of the financial system and safeguarding consumer rights, which is a key focus for the China Construction Bank Shandong Branch during the "2025 Financial Education Promotion Week" [1] Group 1: Financial Consumer Protection Initiatives - The Shandong Branch of China Construction Bank emphasizes the importance of consumer protection by establishing a leadership team and a comprehensive plan for the "2025 Financial Education Promotion Week" [2] - The branch has developed a systematic training program to enhance employees' knowledge and skills in consumer protection [2] - A multi-channel approach has been adopted for outreach, utilizing both online and offline platforms to disseminate financial education [2] Group 2: Targeted Financial Education - The branch focuses on five key scenarios: rural areas, communities, campuses, enterprises, and business districts, to tailor financial education to different demographics [3][4] - Specific initiatives include educating fishermen about high-interest traps, enhancing elderly residents' awareness of scams, and informing students about financial risks associated with loans [3][4] Group 3: Innovative Approaches to Consumer Protection - The Shandong Branch employs digital tools and creative cultural methods to make financial education engaging and accessible [5][6] - Initiatives include a digital exhibition and interactive games to facilitate learning about financial knowledge [6] - The integration of traditional cultural arts into financial education events aims to enhance consumer engagement and understanding [7] Group 4: Commitment to Social Responsibility - The Shandong Branch of China Construction Bank is dedicated to integrating consumer protection into every aspect of financial services, reinforcing its role as a protector of consumer rights and a promoter of financial literacy [7]

Core Insights - The article highlights a successful intervention by the Jinan Fengshan Road Branch of China Construction Bank (CCB) in preventing a telecom fraud targeting an elderly customer, thereby safeguarding 200,000 yuan in potential losses [1][2] Group 1: Incident Overview - An elderly customer attempted to withdraw funds and transfer them to a suspicious account, claiming it was for a "confidential fee," which raised red flags for the bank staff [1] - The bank staff promptly reported the situation to the operations supervisor, who initiated an emergency response plan to address the potential fraud [1] Group 2: Fraud Prevention Actions - The bank employees utilized their knowledge of fraud schemes to identify the situation as a typical "impersonation of public security" telecom fraud case [2] - Staff educated the elderly customer about common fraud tactics and assisted in contacting the customer's family for verification, leading to the customer's realization of the scam [2] Group 3: Commitment to Consumer Protection - The successful prevention of the fraud not only protected the customer's retirement savings but also enhanced the customer's awareness of financial risks [2] - CCB plans to continue strengthening employee training on fraud prevention and improving risk control mechanisms to better protect consumers in the future [2]